夏威夷的度假房被“投资理财”的集体智慧否决后,本准备洗手不干了的。
突然一个Agent给了古石这个房,算了一算,在房源极其缺少,同学们大喊抢房难的现在,如果拒绝,就太失礼了。和女孩晚上要离开时,却不问客人是否愿意留下一样的失礼。
这个房子正在进行中,下面的价格是银行第一次Counter回来的,所以价格不会更贵了。只希望银行不要最终收回去。
这个房子在湾内。
Price Down Payment
$340,000.00 $85,000.00
Loan LTV Ratio (Bank may require 75%) Loan Amount
75.00% $255,000.00
Closing Cost Loan Interest/Yr
$4,000.00 4.375%
Property Tax Rate Loan Period (Year)
1.52% 30
Property Tax /Yr Initial Repair
$5,168.00 $0.00
Insurance/Yr Months required to fix
$1,700.00 0.00
HOA Fee/month + Gardner Fee Yearly Repair
$0.00 $750.00
Yearly Termite Control Depreciation
$500.00 $12,363.64
Square Footage Yearly Mortgage Payment
$1,850.00 $15,278.13
Price / Sq Yearly Interest Payment
$183.78 $11,156.25
Monthly Rent Yearly Rent Income
$3,000.00 $24,282.00
Vacancy Rate Yearly Cash Flow
10.00% $9,003.87
Cap Rate Cash on Equity Return
7.06 10.12%
Return Compare to Bank Rate Investment Return (w/ depreciation)
5.74% 0.86%
所以,湾内还是有值得投资的房子的。
现在的租客在里面已经住了8年以上。
古石